Janitorial Insurance
Find out what coverage you need. Compare policies from leading national insurers. Get a quote in minutes.
Insuring over 1 million small business owners worldwide.
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Why Do Janitors Need Insurance?
Simply Business offers janitorial insurance that protects the blood, sweat, and tears you’ve invested in your business. Don’t know what insurance you need? Don’t worry. All you need to do is answer a few questions about your business, and you’ll get free, custom quotes from top insurers.
We know you’re busy, but you only need 10 minutes to start insuring your business.
What Insurance Do I Need for a Janitorial Services Business?
General Liability Insurance
A foundational coverage for handymen to help handle costs from third-party accidents, property damage, and bodily injury.
Contractor’s Equipment and Small Tools
Also known as inland marine insurance, this coverage can financially protect equipment and inventory that is in transport or stored offsite.
Workers’ Comp Insurance
Coverage to help take care of employees who get sick or injured on the job. Most states require this for small businesses with full or part-time employees. Can also benefit business owners without employees.
Why Should I Get Insurance for My Janitor Business?
Whether you have a custodial business with employees or you work for yourself, you’re probably budget-conscious. If you’re not aware of how valuable cleaning business insurance is, you may not want to spend your money on it.
So why even get a policy in the first place?
You can’t control when accidents happen
Accidents can happen at any time. And if you don’t have the right coverage in place, you may quickly find out how expensive an accident can be.
And the accident might not even be your fault, if someone works for your business, you may be liable for costs resulting from property damage or third-party injuries (i.e., customers or vendors).
A customer may decide to sue you
Even if you’re doing your work perfectly, a customer could find some fault and decide to sue your business. It doesn’t matter if you’re in the right — you’ll still have to hire an attorney to defend you.
This scenario happens a lot more often than you think. An estimated 43% of small business owners have reported being involved in a lawsuit pertaining to their business.
It may be a legal requirement
Different states have different requirements, but if you need a business license or special certification to be a janitor, you may be asked to show a certificate of insurance (aka a COI). This document provides proof that you have the kind of coverage that might be required by state or federal laws.
Prospective customers may be more willing to hire you
If a customer has to decide between hiring a custodian with no insurance and one who carries insurance (hopefully that’s you!), it’s likely they will hire the insured business.
That’s because the customer knows that if any accidents or property damage occur as a result of your work, they won’t have to pay for it themselves — your policy can cover it.
Need a little more convincing as to why you should carry janitorial business insurance? Give our licensed insurance agents a call at 844-654-7272 — they’ll be happy to answer any questions you have!
Janitorial Insurance FAQs
Laws vary by state, but it’s common for general liability insurance to be required for small business owners. Your free quote takes your location into account, and our licensed agents can help you determine your needs. If you have employees, you’ll need to have workers compensation coverage.
Janitors are typically able to deduct insurance premiums when filing their business income taxes. We strongly recommend talking to an accountant for more information about your state’s tax laws, though.
The level of insurance coverage you need depends on details about your business, including:
- The size of your business
- Your business’s location
- Your annual revenue
- And more
Our quote form takes your details into consideration to provide recommended coverage amounts. If you have more questions, our licensed insurance agents will be happy to assist you!
The quote process goes quickest when you have your business information ready to enter. You should have the following:
- Annual revenue estimates
- Payroll estimates
- Information on any previous claims
Each state creates its own requirements for small business insurance, including janitorial contractor insurance. Our quote form and insurance agents can help you understand your state’s requirements.
A comprehensive insurance product — one that includes general liability, professional liability, and workers compensation — can cover:
- Bodily injury
- Accidents and damages
- Employee injuries
- Unintentional mistakes
- And more
Each insurance quote is customized to your business, including the type of work you do and whether or not you have employees. Policy pricing is also impacted by:
- Payroll estimates
- The location of your business
- The specific services you offer
- And more
Want to see how much your janitorial insurance may cost? Just click here to answer a few questions and get free quotes to compare policy prices.
Every business owner is unique, and our licensed agents can help you find insurance that offers appropriate protection for your other services.
Feel confident about your choice
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How Much Does Insurance for Janitor Cost?
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Why Choose Simply Business?
We’re fast and affordable
Get free cleaning business insurance quotes in under 10 minutes, because who wants to spend hours learning about insurance?
We’re human
Insurance can be complicated. But whether you’re browsing our site or talking to one of our agents, you’ll quickly discover that we’re pretty down-to-earth about insurance.
We get your business
Forget one-size-fits-all insurance. Get the protection your cleaning business needs, when you need it the most.
Business Insurance
A one-minute explanation
Learn more about policies for small businesses, what they cover, why you might need them, and how we can help – all in just 60 seconds.
As a small business owner you do a lot, just like general liability insurance. General liability can help provide financial protection in the event of, well, unfortunate events. Like injury or damage to another person or their property, advertising injury and product liability, medical payments, and more. Without general liability insurance, you know who’s likely on the hook for that: you, and that could cost you a bundle- as opposed to a good general liability policy. Even if you did nothing wrong, you can still find yourself paying for legal fees and a lawsuit. And getting covered is easy and fast with us. Spend a few minutes online or on the phone we can help find you a policy among the top insurers out there. When it comes to getting you covered, we can do a lot, just like general liability insurance.
Search
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Save
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Relax
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*Actual savings may vary based on the nature of your business, its location, and insurance provider appetite. Savings percentage is calculated using the average price difference of quotes from SB’s panel of insurance providers.